Credit Reports Up 4% in 2025, MFO Scoring Rises 1.6x
Summary
In 2025, individuals requested 4% more credit reports compared to the prior year, indicating growing financial literacy. Microfinance organisations (MFOs) increased their use of credit history bureau services dramatically, with credit scorings provided to MFOs rising by a factor of 1.6 year-on-year. Banks and MFOs were the largest users of credit reporting services, while other entities including consumer credit cooperatives, lessors, mortgage agents, insurers, and collection agencies primarily requested credit scorings. According to Bank of Russia calculations, each ruble spent on a credit report in H2 2025 may reduce overdue loan amounts by more than RUB 337.
“In 2025, the number of credit reports received by individuals was up by 4%.”
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GovPing monitors Bank of Russia EN for new banking & finance regulatory changes. Every update since tracking began is archived, classified, and available as free RSS or email alerts — 3 changes logged to date.
What changed
The Bank of Russia released statistical data showing increased demand for credit history services in 2025. Individual requests for credit reports grew 4%, while MFO demand for credit scorings expanded 1.6x year-on-year. The Bank calculated that each ruble invested in credit reports in H2 2025 could reduce overdue loan exposure by more than RUB 337.
Banks and MFOs remain the primary users of credit reporting and scoring services. Consumer credit cooperatives, lessors, mortgage agents, insurers, and collection agencies primarily use credit scoring. Regulated entities relying on credit history data for lending decisions may benefit from reviewing their bureau service arrangements and scoring models given the quantified risk-reduction value disclosed.
Archived snapshot
Apr 23, 2026GovPing captured this document from the original source. If the source has since changed or been removed, this is the text as it existed at that time.
Individuals show growing interest in credit histories
22 April 2026 News Share VKontakte WhatsApp Telegram In 2025, the number of credit reports received by individuals was up by 4%. The increased interest in credit histories among individuals suggests the overall growth of financial literacy.
The demand of microfinance organisations (MFOs) for the services of credit history bureaus (CHBs) expanded significantly: over the year, the number of credit scorings provided to MFOs increased by a factor of 1.6.
The biggest interest in credit reports was observed among banks and MFOs. Other organisations, including consumer credit cooperatives, lessors, mortgage agents, insurance companies, and collection agencies mainly requested credit scorings.
Credit reports help creditors reduce the amount of overdue loans in their portfolios by lending to more solvent borrowers. According to Bank of Russia calculations, each ruble spent on a credit report in 2025 H2 may reduce the amount of an overdue loan by more than ₽337.
Detailed statistics and a review of international practices of using CHB data are available in the Analytical Review of Credit Information System for 2025.
Preview photo: Pavel Bednyakov / AP / ТАSS Save as PDF Copy link
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